State credit union · Muscle Shoals, Alabama · NCUA charter #61474
Railway Employees
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $20.1M
- Total assets
- 1,366
- Members
- 21.9%
- Net-worth ratio
Railway Employees scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $20.1M; members 1,366; net-worth ratio 21.95%; health rank #1,881 of 4,374; healthier than 54th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,881 of 4,374 health · 2025Q4Railway Employees · health 85/100 · $20.1M · 2025Q4
- NCUSIF 85/100
- CAMELS 21.9%
- HEALTH 0.39%
- NW 0.72%
- DELQ $20.1M
- ROA 1,366
- ASSETS #1,881/4,374
- MEM Lynn Firemens
- RANK 61474
Call Report peers
Railway Employees in the assets neighbourhood
Railway Employees's $20.1M assets sit next to Lynn Firemens ($20.1M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Railway Employees vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
85 Top 46% higher than 54% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Railway Employees - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #61474 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Where Railway Employees diverges from peer averages
- Largest favorable gap: Net Worth Ratio at 21.95% vs peer 14.86% (+7.09 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -22.37 pp (37.43% vs 59.80%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Railway Employees: in-state Call Report ranks
- Alabama health ordinal: #36 of 89.
- Alabama assets place: #61 of 89.
- Member book place in Alabama: #68 of 89.
In-state ordinals use the live credit_unions table for AL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Railway Employees Call Report trajectory
Railway Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.3% from $20.1M (2025Q4) to $21.0M (2026Q1).
- Net-worth ratio shifted -0.71 pp (22.66% → 21.95%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 21.95% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 85/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 85.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 5.3 pts
- Loan-to-Share Ratio 9.7 pts
Railway Employees vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 21.95% | +7.09 pp |
| Delinquency Rate | 0.39% | -0.76 pp |
| Return on Assets | 0.72% | +0.02 pp |
| Member Growth | -2.08% | - |
| Loan-to-Share Ratio | 37.43% | -22.37 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Railway Employees filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $21.0M | - |
| 2025Q4 | $20.1M | 1,366 |
| 2024Q4 | $18.0M | 1,395 |
| 2023Q4 | $17.5M | 1,446 |
Credit Union Details
- Charter Number
- 61474
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Alabama
- City
- Muscle Shoals
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Railway Employees, spread across 2 cities in 2 states.
| Office | City |
|---|---|
| Main (Main Office) | Muscle Shoals, AL |
| Fi-Serv Portico | Berkeley Heights, NJ |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Alabama
A look at other Alabama credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Railway Employees's nationwide photo peers by assets and by health score, excluding Alabama charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($20.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (85/100 here).
Using this data
- Railway Employees ranks #1,881 of 4,374 nationally on financial health and #36 of 89 in AL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- East Alabama Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with East Alabama Community
- Rates and health both vary by institution, not just by state -- see how Alabama credit unions compare overall before assuming this one is typical. Alabama state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Railway Employees financially healthy?
Railway Employees has a financial health score of 85/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,881 of 4,374; by total assets it ranks #3,149 of 4,374 nationally (same basis as /rankings/largest); and #61 of 89 within Alabama. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 21.95% and delinquency rate of 0.39%.
How does Railway Employees compare to other credit unions?
85/100 is Railway Employees's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Railway Employees?
Membership eligibility for Railway Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Railway Employees directly for current membership requirements and application steps.
Is my money safe at Railway Employees?
Federal credit unions like Railway Employees are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Railway Employees's net worth ratio of 21.95% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Railway Employees offer compared to banks?
Credit unions like Railway Employees are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Railway Employees directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.